Complaints

• Initial Complaint

  08/26/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I called to cancel my wife and my life insurance policy in November 2021. After I ended the call I assumed our policies were closed and they sent me a check of what I was owed. In August of 2022 we found out that they had never closed my wifes policy and kept billing her and paying for it with the additional equity had built up. We found out about this and tried to get our money back and they refused. We attempted twice to have this reviewed and they said they couldn't legally refund our money. Which is weird because they lied to us. We were forced to close our account again and lose over $200. This was a blatant abusive and deceptive act to steal our money. I would like to get the money back that they took from us.

  Business response

  09/12/2022

  The company has responded directly to the customer providing an explanation and documentation regarding the complaint. We consider this matter resolved. 

   

  Customer response

  09/13/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
   They said in their response that they contacted me and provided documentation which is not true. In my original conversations they refused to provide documentation and i havent heard from them again. Ultimately they didn't not honor my request to close out my wife and my policy and they continued to charge us for several months. This is a common complaint against them as they have retention goals and don't want to close policies which is why I believe I was lied to. They stole my money and didn't refund it so I absolutely reject this response.
  
  Regards,
  
  *************************

• Initial Complaint

  08/11/2022

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  I had knee surgery. Filed disability claim. It has been 9 days in Medical Review. This is ridiculous. My claim money was due weeks ago. The biggest complaint is that if you email an analyst you get a response saying its going to be 7 to 10 days before someone gets back to you. That is absolutely ridiculous. When a company gets thousands and thousands of dollars from you they need to respond immediately.

• Initial Complaint

  08/04/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  This review is specifically for *********************************. He does not care to remember important investment numbers agreed upon in meetings but does take the time to make a long list of people he wants you to refer him so he can make more money off of you. He will uncomfortably list out each person and then make you feel bad for not agreeing to refer them. He will also debit your account without telling you in *********** initiated money to be drawn from my account for an *** then in our next meeting asked me how much I wanted to be taken each month. This had me very concerned as the money had already come out. When I asked him where that money went he said he wasnt sure but would find out. This was extremely unsettling and I requested to cancel all contracts the next day. This was more than a month ago. *** never even responded to my email request to be refunded but I was sent electronic documents to sign for canceling. Now I find out that I am not able to get my money back until 6 months of paying into the policy that has already been cancelled. There is an extreme lack of transparency here. I wouldnt recommend Gio or Northwestern to anyone.

  Business response

  08/25/2022

  The company has reviewed ******************** complaint in detail and responded in a satisfactory manner. We consider this matter resolved.

   

• Initial Complaint

  07/25/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I tried to get insurance through Northwestern Mutual only because my friend worked there. The company made me sign up with another rep who was absolutely unresponsive to any questions I had. I completed all the requests (which were truly over the line invasive and unnecessary). Upon being denied (after hours of work on my end and a health screen) I was told that I didnt give the information they were looking for. This claim is bogus as I replied to their questions and have an email proving that I filled everything out as requested which is time stamped to prove theyre full of it. I want all my money back and I want to close my accounts. I have asked for this and thus far have not heard anything.

  Business response

  08/15/2022

  The company has reviewed the customer's complaint and has provided the appropriate refund, plus interest, in a timely manner. We consider this matter resolved. Thank you. 

   

  Customer response

  08/15/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  My NW Mutual contact  gave me a timeline to provide the necessary information on my IBS. I met said timeline and have a response from my representative proving that I kept my end of that agreement. The reason my claim was denied implies my missing this deadline which I did not. This company was so bad with every piece of verification. The process was impersonal the entire way.  I would have liked to have had a phone call if something as important as denied coverage was on the line. This company wasted hours of my time, invaded my privacy, and ultimately denied my coverage for a caveat issue. Their apology was as impersonal as the experience I had in providing my medical history. This company denies wrongdoing and they most certainly are in the wrong. 
  

  I would like an appropriate apology. Maybe my rep could reach out as he didnt do that once in the very lengthy onboarding process. As it stands now I will provide an honest and thorough review of my experience entailing the harassment my therapist received, the hours of wasted time, the pass the buck onboarding process, and the ultimately ridiculous denial of coverage.

  Regards,
  
  *******************

• Initial Complaint

  07/25/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Northwestern Mutual (similar to the ***** Fargo account issue a few years ago) opened two accounts in my daughters named without permission in January. I had inquired about a savings plan for the girls both under five plan but signed a non-election document in January. Despite never agreeing to open and infact signing to non-elect, Northwestern opened two accounts and for over six months charged me 115 extra a month for two unauthorized accounts. They said the home office made a mistake. 3 weeks after realizing they opened two fraudulent accounts they still have not returned my money. Given no one has taken this serious i highly doubt this is an isolated event. ************************* was the rep. I want my money back for two unauthorized accounts, a new rep, a statement on how this happened, money for my time in resolving and shock and i think the company needs to report to SEC and regulators as well as run a self audit. This is a regulated fiduciary this is shocking.

  Business response

  08/02/2022

  The company has done its best to respond to ************************ complaints by processing a refund. We are hopeful this addresses ************************ complaint satisfactorily. 

   

• Initial Complaint

  07/25/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  02/01/2022 is when this transaction started.This company hasn't been a true business for the customer.I purchased life ********************** from this company in Feb 2022 and have been paying the monthly premium of $46.08 which has been documented and quoted to me as my premium from the beginning of his transaction.All of sudden without explaination or prior notification I received a revised payment notice of new premium of $76.63 in July 2022.This is a $30.55 difference.I don't have money to throw around like this.I feel Northwestern Mutual is doing alot of things behind my back without notifying me.Now they have changed my premium as the higher rate without giving me a choice and telling me from he beginning of this transaction, I reached out to this company on July 7,2022 and no one has contacted me back with any information that I had asked about this matter.5 months of disorganization and uncaring from Northwestern Mutual I have become very upset and disappointed with this company.They continue to waste my time and it has made me clear that they don't care about my well-being and just see me as a money figure for them.

  Business response

  08/25/2022

  ***********************' complaint has been reviewed and responded to in a thorough manner. We have been in communication with the client and consider this matter resolved. 

   

• Initial Complaint

  06/27/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Northwestern Mutual insurance representative, **********************************, stole my information and created an entire life insurance policy in my name with no consent of mine. Ive contacted the company multiple times and nothing has been done as of yet. I will be filing criminal complaints against this agent as well as NorthWestern mutual if this problem is not rectified.

• Initial Complaint

  05/18/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been with Northwestern Mutual since about 8/2003. Im just finding out that over several years they have taken over thousands of dollars out of my account. The statement does not show where this money went or who authorize this withdrawal. I have been talking with an representative from this company. He does not answer my question or response to why this happen. I have reached out to him on several occasions.

  Business response

  06/07/2022

  The company provided ************** with detailed information regarding the account balance at the time of closure. We consider this matter resolved. 

  Customer response

  06/08/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]I am not able to review the response from the business. I have tried several times but is not able to open. I have tried to call the agent who is handling my report. Until I get a response from mt agent I am  not responding to this email. Until I can speak with someone about this issues  
  

  
  
  Regards,
  
  *********************

   

  Business response

  06/09/2022

  The company sent the attachment as a narrative email so the customer is able to view the material that was in the letter attached to the original email. 

  Customer response

  06/16/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  

  Can I cancel my business/account with Northwestern. Have my money sent to me. What about the insurance policy I have with them. Will that still be in affect once Im no longer with them. 

  
  

  Thank You

  ***** Smith 

  
  
  Regards,
  
  *********************

• Initial Complaint

  05/17/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I began two life insurance policies 26 years ago. These were life at 90 policies, whole Life, and a large amount of my premiums went to build cash in the policies. I was 30 at the time. My agent sold me on the fact that this would be a way of saving for my kids college, and also that at some point the $4000/yr in premiums would only have to be paid until a sufficient amount of cash and dividends was earned. The policies earned 8% per year in dividends plus interest. After about 12 years, my agent told me that the policies could self sustain because the dividends and interest were 7-8K per year. There was plenty of cash in there and the dividends could be used instead of me paying the premium. Having extra cash value only adds to the face value, which I didn;'t need. However when my Agent retired about 5 years ago, everything changed. First Northwestern Tried to Terminate my policy for non payment even though I maintained an auto pay if needed, and then I received a restatement and started receiving "loan statements" reflecting that instead of using the cash value in my policy, they financed my premiums using the Cash value as the collateral, and basically paid themselves 8% interest on the premiums, and then that compounded and rolled that interest into a new loan, so that they earned interest on interest. So now instead of honoring the policy they sold me, they managed to take all of my cash value out of it. The premiums that were paid were less than the total cash available, so this was all interest Between both policies it is over $135K. the loans are slightly under that. There should never have been premium loans as that would have been paid out of the cash Value. The reason for them to do this is so that they earn back the interest that they are supposed to be paying me. This is outrageous. They should immediately restore the records as they should have been and off set the loan with the cash value, and stop taking my money.

  Business response

  05/31/2022

  The company has contacted this individual to address their concerns including providing the history and details of their account. We consider this matter resolved. 

  Customer response

  05/31/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Please not that they are submitting 26 year old paperwork  and haven't commented on any of the complaint..  This is what they did to me, they overnighted 1 stack of paper, none of which I ever saw beofer.

  There were multiple ways to handle the premiums to be paid, and my broker was very clear as to how they should do it, and the company recorded it in such a way so that they could consume alll of the growth from my cash.
  

   

   

  
  

  
  Regards,
  
  ****** Tirella

  Customer response

  06/07/2022

  he better business bureau should not be siding with la tree corporations against the individual.  They claim that they answered the complaint, do you even read it.  They did not address not one of the issues.  

  ************* is funded by the government then you have an obligation to actual look into these matters.

  
  

  I wont rest until northwestern is held  accountable and now your agency as well.   Dont be manipulated by corporate payers 
  

  
  

  ****** Tirella

• Initial Complaint

  03/24/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Unanswered

  More info

  I have had no reply from Northwestern Mutual Insurance company even though I have been paying disability premiums to their company for over twenty years.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩